For Sale
3185 Totem Trail, Reading, MI 49274
$445,000
MLS # 26017975 (Michigan Regional Information Center (MichRIC))
3 beds3 baths3,647 sqftBuilt 20030.28 acres
1 / 61
Listing Description
This beautifully maintained home offers waterfront views and access to All-Sports Long Lake, association access perfectly positioned directly across from the home, featuring a playground, covered pavilion and boat docking. In addition to the main lake, you will enjoy access to no-wake Totem Lake, ideal for peaceful boating and excellent fishing. Inside, the spacious layout includes three bedrooms, one currently used as a study with cathedral ceiling, two full baths, and a convenient half bath off the garage. The well-appointed kitchen, which features oak cabinetry with pull-out shelves, a countertop gas range, double electric oven, large island with seating and walk-in pantry. A striking three-sided gas fireplace adds warmth and ambiance, visible from the living room, dining area and kitchen. The master suite is a true retreat with a cathedral ceiling, expansive walk-in closet and a luxurious bath complete with a whirlpool tub and tiled walk-in shower.
Source: SparkMLS
About this home
Located in Reading, this property offers 3-bedroom, 3-bath, 3,647 sq ft, with original construction dating to 2003.
Listed at $445,000 (about $122/sq ft).
Annual property taxes run approximately $3,367 ($281/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Consumers Energy Company; natural gas by Michigan Gas Utilities Corporation.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms3
Living Area3,647 sqft
Lot Size0.28 acres
Year Built2003
Stories1
Location
CityReading
MunicipalityReading Twp
Zip Code49274
CountyHillsdale
School DistrictReading
Construction & Systems
StyleContemporary
ConstructionVinyl Siding
BasementDaylight, Full
Garage3 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
UtilitiesCable Connected, High-Speed Internet
InteriorCeiling Fan(s), Garage Door Opener, LP Tank Rented, Center Island, Pantry
Sale & Financing
Listed4/24/2026
Terms AcceptedCash, FHA, VA Loan, Rural Development, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,367
Tax Year2025
Assessed Value$120,880
Parcel #30-10-140-001-079
Source: SparkMLS
Legal Description
LOT 89 ALSO N 18 FT LOT 88 TOTEM VILLAGE
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Cathy Galloway
RE/MAX Preferred Realty
Frequently Asked Questions about 3185 Totem Trail, Reading, MI 49274
Which school district serves 3185 Totem Trail, Reading, MI 49274?
Per MLS# 26017975, 3185 Totem Trail, Reading, MI 49274 is in the Reading boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Reading directly to confirm enrollment eligibility.
What financing options are available for 3185 Totem Trail, Reading, MI 49274?
Per MLS# 26017975, this listing accepts Cash, FHA, VA Loan, Rural Development, Conventional financing. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 3185 Totem Trail, Reading, MI 49274?
Per public tax records, annual property taxes for this property are $3,367 (2025). Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 3185 Totem Trail, Reading, MI 49274 is in an eligible area. USDA RD loans offer 0% down payment for qualified buyers. Verify current eligibility at the USDA eligibility site, as boundaries are updated periodically.
Is 3185 Totem Trail, Reading, MI 49274 in a flood zone?
Per FEMA flood maps, this property is designated as Zone X, a minimal-risk flood area. Flood insurance is not typically required in this zone but may still be advisable. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
What utilities serve 3185 Totem Trail, Reading, MI 49274?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Michigan Gas Utilities Corporation. Sewer: Septic Tank. Water: Well. Confirm service details directly with providers.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the Reading Twp police department or the Hillsdale County sheriff's office.
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Monthly payment$2,886
Principal & interest$2,886
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
Michigan Gas Utilities Corporation
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
3185 Totem Trail, Reading, MI 49274
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